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What's my take-home pay?

Set your pay and frequency to see PAYE, ACC, KiwiSaver and student loan across every pay period. Salary-earner view; if you're contracting, Coffer projects your real numbers from your invoices.

Your pay

NZ 2025-26

$
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Coffer ringfences (per hour)

+ GST (15%, added on top)$18.00
− Income tax (30.6% bracket-walked)$36.74

Yours

$173,178.50/ year

$83.26 / hour

Salary comparison

Per pay period

HourWeekFortnightMonthYear
Gross$120.00$4,800.00$9,600.00$20,800.00$249,600.00
PAYE$36.74$1,469.64$2,939.29$6,368.46$76,421.50
ACC$0.97$38.88$77.76$168.48$2,021.78
KiwiSaver$3.60$144.00$288.00$624.00$7,488.00
Student loan$0.00$0.00$0.00$0.00$0.00
Take home$78.69$3,147.48$6,294.95$13,639.06$163,668.72

Salary-earner take-home (PAYE, ACC Earners' Levy, KiwiSaver, Student Loan). Contractors pay ACC CoverPlus levies instead; Coffer projects your real numbers from invoices.

Contracting instead of on a salary?

Coffer invoices for you, ringfences your GST and income tax as you get paid, and shows what's actually yours to spend, from your real numbers rather than an estimate.

Try Coffer now

Coffer

Calm invoicing and tax tracking for independent contractors in New Zealand.

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Coffer keeps the numbers behind your contracting straight through the year: what you have invoiced, what you have spent, and what you owe. It works out the figures and keeps the records, but it is not tax advice and does not stand in for your accountant or IRD. Its job is to make sure the numbers you take to them are right.

© 2026 Coffer. Made in New Zealand.